| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUR M CONSULTING INC.3 | 101 BRADFORD ROAD STE 100 WEXFORD, PA 15090 | HIGHMARK, INC. | $53K | — | $53K | 2.99% |
| FOUR M CONSULTING INC.3 | 101 BRADFORD ROAD STE 100 WEXFORD, PA 15090 | HIGHMARK, INC. | $15K | — | $15K | 2.94% |
| FOUR M CONSULTING INC.3 | 101 BRADFORD ROAD STE 100 WEXFORD, PA 15090 | UNITED CONCORDIA INSURANCE COMPANY | $7K | — | $7K | 10.04% |
| FOUR M CONSULTING INC.3 | 12925 PERRY HWY WEXFORD, PA 15090 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| FOUR M CONSULTING INC.3 | 12925 PERRY HWY WEXFORD, PA 15090 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| FOUR M CONSULTING INC.3 | 12925 PERRY HWY WEXFORD, PA 15090 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 8.43% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 315 | $1.8M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 339 | $70K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 389 | $13K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $43K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 198 | $46K |
| Prescription drug | HIGHMARK, INC. | 315 | $527K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.